1. Errors in Your Earnings Record Can Impact Your Benefit
Many individuals overlook the importance of regularly reviewing their Social Security earnings record for accuracy. Mistakes can occur due to employer reporting errors or administrative changes, especially during name changes.
Typically, you have a window of three years, three months, and 15 days after earning wages to rectify mistakes. Exceptions may apply if you can provide documentation such as IRS tax returns, W-2 forms, or pay stubs. Access your statement online by creating a my Social Security account.
2. Social Security Survivor Benefits Are Time-Sensitive
Dealing with the loss of a loved one can be overwhelming, often causing individuals to delay applying for Social Security survivor benefits. However, it’s crucial to apply promptly as benefits are effective from the application date, not retroactive to the date of death.
“Any collection agency threatening your Social Security income may violate the Fair Debt Collection Practices Act.”
3. Your Social Security Benefits Are Shielded From Private Debt Collectors
Federal law safeguards your Social Security benefits from private debt collection, including medical expenses, car loans, and credit card debts. Any attempt by collection agencies to intercept your Social Security income may constitute a violation of the Fair Debt Collection Practices Act.
4. Newlyweds May Encounter Restrictions on Survivor Benefits
Social Security imposes a length-of-marriage rule for widows and widowers. Generally, you must be married for at least nine months to qualify for survivor benefits in the event of your spouse’s passing. Exceptions apply for spouses who died in accidents or while serving in uniformed services.
5. Circumstances Exist for Obtaining a New Social Security Number
Even with a new Social Security number, your previous one remains on record to ensure proper crediting of earnings. If you qualify under specific circumstances, such as being a victim of domestic violence or identity theft, contact your local Social Security office to initiate the process.
For inquiries regarding your benefits, replacing your Social Security card, or reporting stolen numbers, visit: www.ssa.gov.
